AI Horde now has lora support, but I think it is still limited to whatever the workers have decided to make available, instead of letting you ship a lora with your request.
If Collab has stopped handing out free GPUs, you might need to either find someone else handing out free GPU time, or else set up for slower CPU rendering. It is apparently possible to install the A1111 UI locally and run all the inference on the CPU, and that would be free and not limited in terms of models/loras/plugins, at the cost of speed.
What if teeth… was tongue? These are the advanced questions we can finally answer with modern AI technology.